● No credit check to apply ● 2 minute form ● Instant indicative quote
Get Your Rent-to-Own
Pre-Approval Online
No credit file impact. Simply answer a few quick questions and we’ll show you estimated weekly repayments and whether you’re likely to qualify – before anyone picks up a phone.
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No credit check to enquire
Bad credit welcome
24hr approvals
Our online rent-to-own pre-approval takes about 2 minutes and gives you an indicative result and estimated weekly repayments before anyone checks your credit file. Designed specifically for ABN holders with bad credit, defaults, or previous declines
Documents required: After submitting, please email your drivers licence (front and back) and 3 months of most recent bank statements to info@bloomfs.com.au with your name in the subject line.
Thank you. Adam will review your details and be in touch within 60 minutes during business hours. A DocuSign privacy consent form will be sent to your email shortly.
– Drivers licence (front and back)
– 3 months most recent bank statements
Common Questions About Our Online Pre-Approval
If you have been declined before, you probably have questions before you fill in another form. Here are honest answers to the questions we hear most often – including the ones about credit checks, deposits, and what actually happens after you apply.
No. Completing this online pre-approval has absolutely no impact on your credit file. We do not perform a credit check at this stage. If you choose to proceed after speaking with us, we will send you a short privacy consent form via DocuSign that allows us to view your file on a read-only basis – this also leaves no mark. A formal credit enquiry only occurs if you decide to proceed and we formally submit your application to a lender, which we will always discuss with you first.
Yes – this is exactly who we work with. The majority of our clients have been declined by a bank, a mainstream lender, or another broker before coming to us. Rent-to-own finance is assessed differently to standard finance. We look at your ability to generate income from the asset, your deposit, and your current situation – not just your credit history.
With a standard loan, a bank lends you money and you own the asset immediately with the loan secured against it. With rent-to-own, we purchase the asset and lease it to you under a fixed weekly payment agreement. You make payments over the agreed term and take full ownership at the end. There is no bank involved, which means we can assess applications that mainstream lenders cannot.
A minimum 15% deposit is required for most applications. For applications with 3 or more finance defaults or a bankruptcy history, we typically require a minimum of 20%. A higher deposit strengthens your application and may improve your approval outcome. If you have additional security – such as a vehicle or machine you own outright – call us to discuss whether this can substitute for or supplement a cash deposit.
Most applications receive an initial response within 24 hours. Once you have submitted your online pre-approval, provided your supporting documents, and signed the privacy consent form, we aim to have a full assessment completed and a decision confirmed within one to two business days.
After submitting your online pre-approval you will need to email us your drivers licence (front and back) and your three most recent months of bank statements. No tax returns or full financials are required in most cases. We assess your application based on your bank statements and current income, not historical tax records.
Adam will personally review your application and call you within 60 minutes during business hours. He will walk you through your options, confirm the indicative repayments, and explain the next steps if you choose to proceed. There is no pressure and no obligation – the call is purely to give you a straight answer about what is possible for your situation.
